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Love County/Ringling/73456

73456

ZIPSAFMR
Love County, OK
Zillow

ZIP Investment Score

129Above average

095130300
BRFMR
Eff. Rent
0 BR$710$710
1 BR$800$800
2 BR$960$960
3 BR$1,200$1,200
4 BR$1,540$1,540
5 BR$1,771Not available
6 BR$2,037Not available
7 BR$2,342Not available
8 BR$2,693Not available

Purchase Price Calculator

Maximum purchase price
$80,739

Cost breakdown

+Likely effective rent$960
HUD FMRUsed$960
Market rentN/A
Est. payment standardN/A
-Principal and interest-$408
Loan amount$64,591
Down payment$16,148
Rate6.50%
Term30 years
-Operating costs-$352
Property taxes-$81
Insurance-$175
Utilities$0
HOA$0
Management-$96
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$15,722(97.4% ROI)
Projected value
$86,947
Return breakdown
Property appreciation+$6,208
Loan principal paid down+$2,314
Rental cash flow+$7,200
5-year hold
+$26,737(165.6% ROI)
Projected value
$91,349
Return breakdown
Property appreciation+$10,610
Loan principal paid down+$4,127
Rental cash flow+$12,000
10-year hold
+$56,447(349.6% ROI)
Projected value
$103,353
Return breakdown
Property appreciation+$22,614
Loan principal paid down+$9,833
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
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Mortgage rate
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ZIP 73456 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 73456 (Ringling, OK) is $960 a month. That is unchanged from FY 2026. Ringling is in the Love County, OK non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $1,101. Among 9 ZIP codes in Love County, 73456 is tied for the 7th-highest two-bedroom rent (county range $960–$1,260). The median county two-bedroom FMR in Oklahoma is $916, so ZIP 73456 is 5% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 73456
BedroomsFY 2027Change90–110% range
Studio$710−1.4%$639–$781
1BR$800+6.7%$720–$880
2BR$9600.0%$864–$1,056
3BR$1,2000.0%$1,080–$1,320
4BR$1,540−3.1%$1,386–$1,694

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 73456
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$710$800$960$1,200$1,540
FY 2026$720$750$960$1,200$1,590
FY 2025$670$710$910$1,180$1,490
FY 2024area FMR$700$786$922$1,115$1,262
FY 2023area FMR$639$683$823$1,002$1,134

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Love County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 73456
73401$1,090+13.5%
73430$1,100+14.6%
73441$1,080+12.5%
73446$9600.0%
73448$1,040+8.3%
73453$1,030+7.3%
73456Current$960—
73459$1,260+31.3%
73463$9600.0%

Questions about ZIP 73456 rents

How much will Section 8 pay for a two-bedroom in ZIP 73456?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $1,101, which applies unless the housing authority uses Small Area FMRs, that basic range is $991 to $1,211 a month; under the ZIP-level Small Area FMR of $960 it would be $864 to $1,056. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 73456 in?

ZIP 73456 is in the Love County, OK non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $1,101.

How much did fair market rent change in ZIP 73456 for FY 2027?

The two-bedroom FMR was unchanged at $960 in FY 2027. Since FY 2025 it has risen 5.5%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentRingling, OK fair market rentOK statewide rentsWhat is SAFMR?Data sources